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Fintech discussions and conversations around the development of fintech.
COVID-19 and the rise of digital banking With social distancing guidelines still in place to reduce the transmission rate of COVID-19, many consumers have replaced visits to bank branches with digital...
The transition to next generation applications for core banking is a significant challenge for any incumbent bank. Globally banks spend millions of dollars annually on maintaining their core banking...
No longer new entities in the banking space, challenger and neo banks are now acquiring significant market share in the banking world. In fact, the Compound Annual Growth Rate (CAGR) of these banking ...
In 2010–2012, something began to change in people’s behavior. The changes happened so slowly and naturally that most of us did not even pay attention to them. 10 years ago, the iPhone 4 was already on...
The lens through which we have traditionally looked at anti-money laundering compliance is changing. This is due to a number of factors. First, there is the rise of FinTechs, whose whole functioning...
Much of the discussion on the FinTech phenomenon in recent years has referred to FinTechs coming to market with differentiated products and innovative business models to challenge incumbents. Exciteme...
Fintechs, perhaps surprisingly, don’t see a future where they have won and incumbent players have lost. J.P. Morgan says “challenger banks expense bases are every very well developed and their revenue...
The payment industry has a long tradition of outsourcing, partnering, and collaborating across a wide set of organisations. Many parties are involved each time a customer buys something with a plastic...
Four years ago, and continuing until very recently, robo advisory was all the rage. It was impossible to go to any wealth conference without at least one of the speakers expounding the virtues of the ...
The COVID-19 pandemic has affected all aspects of our lives. Setting aside the health implications, twelve months ago we could have had no idea that the way we work and socialise would change so drama...
Security and compliance in the payments ecosystem cannot be underestimated and should always be adhered to. Yet, understanding the complexity of the various security standards is something that cannot...
On average it takes at least 2 to 3 years for a fintech company to transition from an initial proposition to being market ready, often at the cost of millions of pounds. In the current COVID environm...